JPH10326317A - Automatic transaction device system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To eliminate the payment of a small amount of commission from an account for every transaction, by making it possible to pay the commission later even for the transaction for which the commission needs to be paid. SOLUTION: A commission file made to correspond to the account of a customer is provided on a host computer 2 and when a commission needs to be paid for a customer's transaction, an automatic transaction device 1 allows the customer to make a choice between the payment of the commission from the account and afterward payment and when the customer selects the afterward payment of the commission, the host computer 2 records and stores information on the commission in the corresponding commission file 2b, calculates the amount of commission to be paid together afterward according to the information in the commission file 2b, and performs batch payment by paying the amount of money from the account of the customer.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus system, and more particularly to an automatic transaction apparatus system used in financial institutions and the like.

[0002]

2. Description of the Related Art Conventionally, a system of this kind includes a plurality of automatic transaction apparatuses for automatically performing transactions such as deposit, withdrawal, transfer and transfer by operation of a customer, and a host computer connected to the automatic transaction apparatus. Is composed. When a customer performs a withdrawal transaction using the conventional automatic transaction device, no commission is charged if the transaction is performed within a predetermined time period, but if the transaction is performed outside the predetermined time period, for example, 105 yen or It was necessary to pay a commission such as 210 yen.

[0003]

In the above-mentioned conventional system, if a transaction requiring a fee such as a withdrawal transaction is performed outside a predetermined time zone, it is necessary to pay a fee for each withdrawal transaction. However, there is a problem that the entire balance cannot be used. For example, if the balance of the account is 10,000 yen, the entire 10,000 yen cannot be withdrawn outside of the predetermined time zone, and only the odd amount obtained by subtracting the commission amount can be withdrawn.

[0004]

SUMMARY OF THE INVENTION The present invention comprises a host computer and a plurality of automatic transaction devices connected to the host computer. In an automatic transaction device system that executes a transaction using a transaction device, a fee file corresponding to the customer's account is provided in the host computer, and if the transaction executed by the customer is a transaction requiring a fee, the automatic transaction device is If the customer chooses to withdraw or postpay the fee, and the customer chooses to postpay the fee, the host computer records and saves the fee information in the corresponding fee file, and the host computer Calculates the lump sum post-payment fee based on the information in the fee file, By debiting from the customer's account, and executes the batch deferred payment.

[0005]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is an explanatory diagram of an automatic transaction apparatus system according to an embodiment. In the figure, reference numeral 1 denotes an automatic transaction device (hereinafter abbreviated as ATM). Reference numeral 2 denotes a host computer which is connected to the plurality of ATMs 1 to form an automatic transaction apparatus system. The host computer 2 has a central processing unit (not shown) and various storage devices (not shown).
And a commission file 2b.

FIG. 2 is a block diagram of the automatic transaction apparatus according to the embodiment and is for explaining the ATM 1 described above. In the figure, reference numeral 1a denotes a display / operation unit, which comprises, for example, a screen such as a liquid crystal display or a CRT, a keyboard, a touch panel provided on the screen, etc., and displays information to a customer or a staff member and accepts an input operation.

[0007] Reference numeral 1b denotes a card handling unit which can accept a customer's card and read and write information recorded on a magnetic stripe or the like of the card. Reference numeral 1c denotes a cash handling unit which stores cash in advance and pays cash to a customer as needed. The cash handling unit 1c may be configured to accept and store customer's cash. 1d
Is a control unit which controls the above-mentioned units and communicates with the host computer 2 to execute various transactions.

The ATM 1 may be provided with a passbook handling unit so as to be able to handle a customer's passbook. The present embodiment is characterized in that a fee can be paid later, and the customer has previously opened an account capable of collectively paying the fee later. This means that, in addition to the usual functions of various accounts, if you want to postpay a commission at the time of withdrawal transaction, etc., you will add a function to pay the commission at a later date with interest, and make a contract necessary for that. .

The customer proceeds with a desired transaction by operating the display / operation unit 1a using an arbitrary ATM 1. Here, as an example, a description will be given assuming that the withdrawal transaction is performed outside a predetermined time zone (that is, a time zone where a fee is required). After proceeding with operations such as inserting a card, inputting a password and designating a withdrawal amount as in a normal transaction, if the customer has opened an account that can collectively pay a fee, the host computer 2 operates as a control unit of the ATM 1. 1d, the display / operation unit 1a indicates whether the commission generated in connection with the current transaction should be paid this time or later.
Display a screen for contacting the customer.

[0010] The customer refers to the screen and selects one of them. In the case where the selection is made not to pay the commission this time, the conditions such as the delivery date of payment may be further specified. Also, if the commission is not paid this time, the customer is notified that the commission will be collectively withdrawn with a predetermined delivery date with interest.

[0011] Information indicating the history of the transaction related to the postpayment of the fee is stored in the fee file 2. The host computer 2 executes, for example, once a month, a predetermined date,
The settlement is performed by totalizing the history information in the fee file 2b and collectively debiting the delinquent fee together with the interest corresponding to the payment delay period from the collective post-paid account 2a. Note that the settlement need not necessarily be made once a month, but can be set arbitrarily.

[0012] As described above, if the fee can be delinquently paid, it is possible to avoid a halfway withdrawal of the fee of about 100 yen, and regardless of the transaction time, etc. It is possible to withdraw the entire balance. In the above description, the withdrawal transaction has been described as an example, but the present invention may be applied to transfer and transfer transactions.

The above-described processing is realized by a program, and the program is provided by being recorded on a recording medium.

[0014]

As described above in detail, by providing a fee file in the host computer, even if a transaction requires a fee, it is possible to pay the fee at a later date. This has the effect that the fee of the amount is not deducted.

[0015] Further, there is an effect that the entire balance can be used regardless of the presence or absence of a fee.

[Brief description of the drawings]

FIG. 1 is an explanatory diagram of an automatic transaction device system according to an embodiment;

FIG. 2 is a block diagram of the automatic transaction device according to the embodiment;

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Host computer 2a Account which can pay a lump sum of a fee 2b Fee file

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁶ Identification code FI G06F 15/30 Z 360

Claims (1)

[Claims] 1. An automatic transaction apparatus comprising a host computer and a plurality of automatic transaction devices connected to the host computer, records information of an account opened by a customer in advance in the host computer, and the customer makes a transaction using the automatic transaction device. In an automatic transaction device system that executes a transaction, a fee file corresponding to the customer's account is provided on the host computer, and if the transaction performed by the customer is a transaction requiring a fee,
The automated teller machine allows the customer to select whether to withdraw or postpay the fee, and if the customer selects postpaid fee, the host computer records and saves the fee information in the corresponding fee file. In addition, the host computer calculates a lump sum post-payment amount of the fee based on the information of the fee file, and executes the lump sum post-payment by deducting this amount from the customer's account. Equipment system.